FACTORS HINDERING THE DEVELOPMENT OF BANKING SERVICES FOR FOREIGN ECONOMIC ACTIVITY

The article examines the factors that hinder the development of banking services for foreign economic activity. Key constraints were systematized, including currency and credit risks, dependence on international financial infrastructure, lack of long-term resources, high cost of financing, and low level of digitalization. Based on the analysis, the consequences of these factors for the banking system are revealed and the directions of their minimization are proposed. The necessity of an integrated approach to improving the efficiency of foreign economic activity banking services in the context of digital transformation and global instability is substantiated.